How to Lower Car Insurance Rates if You’re Still Working from Home

Written By Holly Case
Last updated August 3, 2021

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August 3, 2021

Simple. Thrifty. Living.

You’ve been working from home for about a year now, or maybe even longer. You may miss seeing coworkers but probably don’t miss the time spent commuting. Not only are you saving time by not commuting, but you’re also saving a lot of money. But you could probably save even more money if your car insurance rates reflect that you’re not commuting.

When was the last time you called your insurance agent (or better yet, got quotes from competitors?) Your insurance agent may not even know that you’re working from home. When you’re not commuting, you’re at a much lower risk of getting into an accident. But insurance companies are unlikely just voluntarily to lower your rates. When you’re serious about learning how to lower car insurance rates, look at these options.

When you want to learn how to lower car insurance rates, the first place you should start is by calling your current insurance agent. Tell them you want to review your coverage and report that you are driving much less now. For most people, if you’re not doing much driving, otherwise, you will qualify for classification as driving your vehicle for pleasure. Pleasure driving usually includes driving up to 7,500 miles per year.

Rid Yourself of Coverage you Don’t Use

Since you’re already reviewing your coverage with an agent, now is also a good time to get rid of any insurance coverage that you may not use. Some of these coverages may include emergency roadside assistance, “gap insurance” if you have a loan, and possibly even comprehensive or collision coverage. If your car value has significantly decreased, you may not need collision coverage anymore.

One of the best ways how to lower car insurance rates is by being a loyal customer of the same company for many years, so it may be worthwhile to get discounts from your current insurance company, if at all possible.

Even if your insurance agent can substantially lower your rates, it’s still a good idea to get a couple of quotes from competitors to make sure that you’re paying the lowest price. Your rates can vary quite a bit among different insurance agents, so it’s worth the effort to call around about how to lower car insurance rates.

Shop Around

You may not have to call insurance companies to get quotes, which is a plus if you dislike making phone calls. Many companies offer the opportunity to get a quote online. Some online services even do the searching for you and present you with a list of which companies charge the least.

In addition, ask your friends or family about which insurance companies they use and if they’re happy with their service. While you may not find the cheapest options among your friends and family, you also might find an affordable company that offers excellent service.

Even once you’ve got various quotes, you can still get creative about finding lower prices. You may find out how to lower car insurance rates much more than you expected.

There are other ways you can adjust your insurance to pay even less. For example, choosing to have a higher deductible for collision or comprehensive claims can result in much lower premiums. Consider how much money you have in savings when deciding about your deductibles. If you have plenty of money in savings, you are unlikely to worry about higher deductibles. This is still the case even if your savings isn’t in a traditional account.

Check Group Discounts

You may also pay less for insurance if you’re a member of a group that offers insurance discounts. Some groups that may offer insurance discounts include being a military veteran, a senior citizen, alumni of certain colleges and universities, or even your employer.

It’s possible to find even more ways how to lower car insurance rates. Consider some of the following factors:

  • You will definitely pay lower car insurance rates with better credit. If you need help with credit repair, it’s best to get started as soon as possible. While poorer credit usually means higher insurance rates, improving your credit can often improve your rates quickly.
  • Consider the type of car that you drive. If you drive a sports car, your car will cost more to insure compared to a sedan. Similarly, if you have a car with safety features, you’ll pay less for insurance than if you don’t have as many safety features.
  • You might also pay less if you are interested in taking this time to upgrade to a newer car, especially if your current car is older. Newer cars have significant improvements, particularly in terms of safety and security.

Your driving record often matters more than your credit score. If you have had no accidents or moving violations in the past three years, you should be eligible for some discounts. Having an excellent driving record gives you a lot of leverage in looking for better insurance rates.

Similarly, you may be eligible for discounts if you have multiple cars insured on the same policy. You can also pay lower rates if you have your cars insured through the same company with your mortgage insurance or renters’ insurance.

Take a Driving Course

You can also get lower insurance rates if you take a defensive driving course. The number of discounts you may receive will probably far outweigh the cost of the defensive driving course.

In addition, you will save money if you pay your insurance annually rather than paying your insurance in monthly installments. Try putting money away in a savings account for your annual insurance premiums.

When you want to learn how to get lower car insurance rates, a bit of effort will reward you with big savings on your car insurance bills.

About the Author

Holly Case

Holly's work has been published on Healthline, Chowhound,, Kinsa thermometer corporate blog and others. She specializes in health and lifestyle pieces. Holly has a bachelor's degree with a double major in professional and technical writing and sociology.

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